{"id":22839,"date":"2024-07-09T08:35:58","date_gmt":"2024-07-09T06:35:58","guid":{"rendered":"https:\/\/info.openlane.eu\/help\/faq\/%faq_category%\/6-7-sto-znace-banka-kodovi-iban-bic-sepa-i-sha\/"},"modified":"2024-12-30T16:28:29","modified_gmt":"2024-12-30T15:28:29","slug":"6-7-what-do-the-bank-codes-iban-bic-sepa-and-sha-mean","status":"publish","type":"faq","link":"https:\/\/info.openlane.eu\/hr\/help\/faq\/for-buyers\/cost-payments\/6-7-what-do-the-bank-codes-iban-bic-sepa-and-sha-mean\/","title":{"rendered":"6.7 \u0160to zna\u010de bankovni kodovi IBAN, BIC, SEPA i SHA?"},"content":{"rendered":"

Da biste mogli vr\u0161iti pla\u0107anja, morate razumjeti razli\u010dite bankovne kodove. U nastavku je obja\u0161njeno \u0161to ti kodovi zna\u010de i na koje se vrste transakcija odnose.<\/p>\n

IBAN (International Bank Account Number – Me\u0111unarodni broj bankovnog ra\u010duna)
\n<\/strong>IBAN je me\u0111unarodno priznati, standardizirani broj koji se koristi za identifikaciju bankovnog ra\u010duna. Sadr\u017ei do 34 alfanumeri\u010dkih znakova, po\u010dev\u0161i s dvoznamenkastim kodom zemlje, nakon \u010dega slijede dvije kontrolne znamenke koje potvr\u0111uju valjanost IBAN i zavr\u0161ava s BBAN (osnovni broj bankovnog ra\u010duna) koji sadr\u017ei specifi\u010dne podatke o banci i ra\u010dunu. Format BBAN-a razlikuje se od zemlje do zemlje, ali op\u0107enito sadr\u017ei \u0161ifru banke i \u0161ifru poslovnice.<\/span><\/p>\n

BIC (Bank Identifier Code – Identifikacijski kod banke), poznat i kao SWIFT kod
\n<\/strong><\/span>BIC i SWIFT kod odnose se na istu stvar: kod od 8 do 11 znakova koji se koristi za identifikaciju odre\u0111ene banke u me\u0111unarodnoj transakciji. Svaka banka ima jedinstveni BIC\/SWIFT kod koji osigurava da nov\u010dani transferi zavr\u0161e na pravom mjestu.<\/p>\n

SEPA (Single Euro Payments Area – Jedinstveno podru\u010dje pla\u0107anja u eurima)
\n<\/strong>SEPA je europska mre\u017ea koja vam omogu\u0107uje slanje i primanje pla\u0107anja u eurima (\u20ac) izme\u0111u dva bankovna ra\u010duna u eurozoni. Uz SEPA, prijenos novca unutar eurozone jednostavan je poput doma\u0107eg bankovnog prijenosa. <\/span>SEPA ima 36 dr\u017eava \u010dlanica: Andora, Belgija, Bugarska, \u010ce\u0161ka, Danska, Estonija, Finska, Francuska, Hrvatska, Irska, Island, Italija, Cipar, Lihten\u0161tajn, Litva, Latvija, Luksemburg, Ma\u0111arska, Malta, Monako, Njema\u010dka, Norve\u0161ka , Poljska, Portugal, Austrija, Rumunjska, Gr\u010dka, San Marino, Slova\u010dka, Slovenija, \u0160panjolska, \u0160vedska, \u0160vicarska, Nizozemska i Vatikan. UK ostaje SEPA dr\u017eava unato\u010d Brexitu.<\/p>\n

SHA (Shared – dijeljeno)
\n<\/strong>SHA zna\u010di da pla\u0107ate samo naknadu odlaznog prijenosa<\/span> svoje banke. Primit \u0107emo va\u0161u uplatu umanjenu za naknadu korespondentne banke, tj. za provizije posredni\u010dkih banaka.<\/p>\n","protected":false},"excerpt":{"rendered":"

Da biste mogli vr\u0161iti pla\u0107anja, morate razumjeti razli\u010dite bankovne kodove. U nastavku je obja\u0161njeno \u0161to ti kodovi zna\u010de i na koje se vrste transakcija odnose. IBAN (International Bank Account Number – Me\u0111unarodni broj bankovnog ra\u010duna) IBAN je me\u0111unarodno priznati, standardizirani broj koji se koristi za identifikaciju bankovnog ra\u010duna. Sadr\u017ei do 34 alfanumeri\u010dkih znakova, po\u010dev\u0161i s…<\/p>\n","protected":false},"author":3,"featured_media":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"faq_category":[384,390],"class_list":["post-22839","faq","type-faq","status-publish","hentry","faq_category-for-buyers","faq_category-cost-payments"],"acf":[],"yoast_head":"\n6.7 \u0160to zna\u010de bankovni kodovi IBAN, BIC, SEPA i SHA? \u2013 OPENLANE<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/info.openlane.eu\/hr\/help\/faq\/for-buyers\/cost-payments\/6-7-what-do-the-bank-codes-iban-bic-sepa-and-sha-mean\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6.7 \u0160to zna\u010de bankovni kodovi IBAN, BIC, SEPA i SHA?\" \/>\n<meta property=\"og:description\" content=\"Da biste mogli vr\u0161iti pla\u0107anja, morate razumjeti razli\u010dite bankovne kodove. 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